Credit File Requirements | Mortgage321
A current copy of your credit file helps us match you with the right lender and keep your application moving. Here's how to get yours — and what to do with it.
Get Your Credit Report
Obtain your statutory credit report securely through checkmyfile. Each applicant needs their own individual report.
Individual, Not Joint
Credit files are personal to you. Each applicant on a mortgage must obtain their own separate report — they are never shared or joint.
Full Multi-Agency View
Shows your complete credit history as recorded by all major UK credit reference agencies in one report, so nothing is missed.
Faster Application
Having your report ready helps your adviser match you to the right lender quickly and keeps your application moving without delays.
How It Works
Get Your Report
Use the link below to obtain your statutory credit report from checkmyfile. Each applicant should request their own.
Review the Details
Check your balances, active accounts and any missed payments so you can confirm them accurately with your adviser.
Share with Your Adviser
When your Mortgage321 adviser contacts you, simply share your report — or upload it securely via our online factfind.
Already in Touch with an Adviser?
If you've been referred to Mortgage321 by email, WhatsApp or through a referral, simply download your report above and have it ready to share when your adviser contacts you. You can also upload it securely as part of our online factfind.
Frequently Asked Questions
Do I need a credit report before I speak to an adviser?+
It's strongly recommended but not compulsory before your first conversation. Having it ready speeds things up, and your adviser can talk you through anything you're unsure about.
My partner is applying with me — do we need one report or two?+
Two. Credit files are individual and never joint, even on a joint mortgage application. Each applicant must request their own separate report.
Does ordering my credit report affect my credit score?+
No. Requesting your own statutory credit report is recorded as a "soft search" and has no impact on your credit score.
What if I spot something incorrect on my report?+
Don't worry — your adviser can help you understand what it means and, where appropriate, explain how to dispute inaccuracies with the credit reference agencies before you apply.
Not spoken to an adviser yet?
Chat with Molly for instant guidance, or book a free consultation with a qualified adviser.
The checkmyfile link above is provided to help you obtain your statutory credit report. Mortgage321 may receive a referral fee if you use this link — this does not affect the price you pay. You are free to obtain your credit report from any provider of your choice.